It's hard to suggest somebody on biggest decision of their life with the limited info you have provided.

3 might be out bcoz you certainly don't look happy with its pay.

2 is a big iff. More than 3/4 small business fail, so no guarantees there. Once you start a biz you will be cought up in its day-to-day stuff.

1 sounds like a better option to me, specially if you are into programming.